Let’s utter some words over banking .I am from a village of Bankura dist , westbengal.There is many bank in my locality.But I think united bank is best .Here My all family member including me has a individual account.I lives in Kolkata si I get a certain amount from my home.Whole transaction is held via united bank.In my locality speed of the work of bankers is good and accommodation is also very good.Here phone banking and internet banking facility is also available.But now a days there we have to make lines for transaction. But as accommodation is good there is no problem. Atm service is not very good but not bad also.It is satisfactable . Public from my locality can use it. I think whole Ubi branches may be good.